Sally Becky Holmes - Advantage Lending Services

Hours

General Info

I specialize in true low fee and no fee mortgage loans. As a low overhead company, we offer some of the most competitive rates out there for Conventional, FHA, VA, and USDA loans.

Current favorite mortgage product: 5% down purchase or 5% equity refinance with no monthly mortgage insurance and no upfront mortgage insurance added to your loan or out of pocket!!!!

Does your loan officer take the time to teach you about your choices between rates and closing costs and when your breakeven point is with the different rates and types of loans? Although the deals I get my clients are fantastic, I pride myself even more for doing what is in the best interest of my clients. I take the time to teach people about their choices and what makes sense for their individual situation and future plans. I am a licensed Mortgage Loan Officer and an Appraiser , so I am well educated in the industry and know the challenges we can face.

Credit issues: I have worked with alot of people on ways to improve credit scores quickly. You would be surprised what can help and hurt your credit. I am happy to help prepare you to get the best rate and pricing possible even if its 6 months down the road. Work on your credit now so that it's ready when you need it.

Best advise: beware of what I call "bait" offers you get in the mail. I recently had someone looking at a refinance ask me if the rate he was offered in the mail on a 20 year loan was legit. We took the loan amount and added in closing costs to equal the APR disclosed. He would have never broken even over the 20 year loan for the amount of closing costs spent. That doesn't make financial sense for anyone! I can direct you to some great on-line calculators that compare scenarios.

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Reviews

Overall Rating

I have worked with Becky on three separate occasions and will definitely use her expertise in the future. Becky is honest, straightforward, and knowledgeable. In a nutshell, she is AMAZING! Whenever I had a question, Becky would promptly have an answ... more

Becky was referred to us through our realtor. We had already been in contact with one mortgage company but after briefly speaking with Becky we knew who we needed to be working with. To say that Becky is thorough would be an understatement. Through e... more

I came in contact with Becky through a referral and couldn't be happier with my experience. She was very helpful from day one and continued to be supportive through the whole home-buying process. I was pleased at the level and frequency of her com... more

We went to Becky two years ago to refinance our home and had a great experience! We just went to her again on our new build home, and she is just AWESOME!
She is so knowledgeable,let us call her, probably 70 times with ALL sorts of questions. Looked... more

Becky is flat out the BEST!! We searched for a long time to find the right person to go the extra mile for us and found what we looking for in Becky. A true professional, with the experience to get tough situations taken care of , in what seemed like... more

After shopping rates and sending out questions to multiple lenders, Becky was by far the most responsive and was able to get me the best rates. Her proactiveness throughout the process is what I enjoyed the most. I never had to call her and check ... more

My husband and I feel so fortunate to have had the opportunity to work with Becky. We were referred to her by a family member who is very "thorough" when it comes to selecting companies and individuals for hire. So going into the refinance we were ve... more

Becky recently helped my wife and I with our second mortgage refinance. I've only known her for about two years and wished that someone would have referred me to her sooner. We were hesitant at first about the "no cost refi"' and if there would be a... more

My wife and I have had the opportunity to work with Becky on three separate mortgage loan/refinancing transactions. She has always been more than willing to spend as much time as possible to ensure all our questions are answered, as well as offer he... more

Just closed on my second refinance with Becky and am pleased with her knowledge and straight talk. For years I worked with a family friend for my mortgage needs and when she retired, I thought I would never find someone as knowledgeable. Until I me... more

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